This is a subject that I talk about with every client without fail. It is not because I enjoy hearing my own voice, but it is because I genuinely care about my clients and their families and the tragic effect of not having a mortgage properly protected can have on them. I often hear “Oh, it’s OK, we will sort it out later”...guess what? Later very rarely happens as once the mortgage is in place ‘more important things’ take over! The number of times that I sit down with client